Results: credit debt
1.
1.
If you had 5 credit cards all maxed at $3000 how would you bring down the balances quickly? Pay only the interest on all the cards every month
10%
•
118 votes
Pay the cards all together slowly, monthly with more than the interest
52%
•
615 votes
Pay one credit card all at once every month, neglecting the others but paying only the interest
31%
•
373 votes
Other (please specify)
10%
•
121 votes
| Other Answers | Percentage | Votes |
| n/a | 0.98% | 12 |
| na | 0.73% | 9 |
| 0.57% | 7 | |
| none | 0.16% | 2 |
| don't have credit cards | 0.16% | 2 |
| pay off the one with highest interest first | 0.08% | 1 |
| file bankruptcy | 0.08% | 1 |
| pay off the highest interest card first, try to move balances to card with 0% introductory rates, or get a line of credit | 0.08% | 1 |
| work with credit manaement co. | 0.08% | 1 |
| wouldn't do that | 0.08% | 1 |
| i would never have five different credit cards lol, that is how people get so deeply in debt, very very sad | 0.08% | 1 |
| panic | 0.08% | 1 |
| pay all off at once to avoid interest | 0.08% | 1 |
| pay the card with the highest interest rate off first. | 0.08% | 1 |
| this is why you should never use a credit card except for emergencys...the interest rate in the banks are.2 percent yet credit card interest rates are 39 percent | 0.08% | 1 |
| consolidate debt | 0.08% | 1 |
| make higher than minimum payments sending as much to the higher interest rate cards 1st | 0.08% | 1 |
| i would never be in this situation | 0.08% | 1 |
| i'm smart don't have a credit card | 0.08% | 1 |
| pay the credit card with the highest interest first | 0.08% | 1 |
| pay extra on one until it's paid off, while paying ayment on the others. | 0.08% | 1 |
| consolidate? | 0.08% | 1 |
| move all into one | 0.08% | 1 |
| pay the minimums on 4, and minimum plus whatever else you can spare on the 5th. | 0.08% | 1 |
| i dont | 0.08% | 1 |
| get a bank loan! | 0.08% | 1 |
| pay off one card at a time, starting with the one that has the highest interest. | 0.08% | 1 |
| pay off as many as posible of the highest interest charging cards then ay off the rest | 0.08% | 1 |
| pay the minimum on each and then throw any extra at the same card every month until it's gone. then roll the extra plus the payment from the card that's gone to the next card, etc. | 0.08% | 1 |
| do not know,never happened to me | 0.08% | 1 |
| dunno. | 0.08% | 1 |
| bankruptcy | 0.08% | 1 |
| talk to a financial advisor, try to combine the debt and pay it all off at the same time, i wouldn't get in this situation in the first place | 0.08% | 1 |
| would get a lower credit card or personal loan and pay off all the bad credit and cut up the cards so you can use them. then use cash to pay for all things no matter what. | 0.08% | 1 |
| i am not stupid enough to get into this situation | 0.08% | 1 |
| dont know | 0.08% | 1 |
| put them all on one car at 0% and then pay it off and keep it paid off | 0.08% | 1 |
| try to work with company to lower your payments if they would not take care of necessitys and wait till tax time to pay them off | 0.08% | 1 |
| pay down the highest balance card first, and pay minimum on other 4 | 0.08% | 1 |
| would never let this happen | 0.08% | 1 |
| pay the minimums on all of them except the one that has the highest interest rate. once that one's paid off, add that payment to the one with the next highest rate. and so on and so on. | 0.08% | 1 |
| minimum payment on all but one, as much as i could on the remaining until all balances are paid off. | 0.08% | 1 |
| would hang myself lol | 0.08% | 1 |
| get a second job and slap all the money on one of the cards still paying the bill on the others. | 0.08% | 1 |
| pay more than amt due plus interest each month on each card | 0.08% | 1 |
| consolidate them all with a lower interest rate and pay it off as quickly as possible | 0.08% | 1 |
| don't have cards | 0.08% | 1 |
| i would never max my credit cards out | 0.08% | 1 |
| pay as much as i can on all of them | 0.08% | 1 |
| go into hiding | 0.08% | 1 |
| pay the bigest intrest | 0.08% | 1 |
| undecided | 0.08% | 1 |
| i always pay my balance in full when it is due | 0.08% | 1 |
| pay off highest interest bearing one first | 0.08% | 1 |
| let it go. who cares | 0.08% | 1 |
| i would never have 5 credit cards .............. | 0.08% | 1 |
| pay more than the min balance on the highest interest rate card each month until it was paid off (while still paying the min. payment on the others). when that card is paid off, pay that amount plus the normal payment for the next highest interest . | 0.08% | 1 |
| don't have any | 0.08% | 1 |
| don't have 5 credit cards | 0.08% | 1 |
| first of all, i would pay my full balance every month and never even one cent of interest | 0.08% | 1 |
| i don't know / n/a | 0.08% | 1 |
| get a loan at a low interest rate and pay them all off instantly | 0.08% | 1 |
| ,, | 0.08% | 1 |
| pay off highest interest rate 1st, then the next, etc | 0.08% | 1 |
| never use more than one | 0.08% | 1 |
| i would never let this happen. | 0.08% | 1 |
| b | 0.08% | 1 |
| pay off the highest interest one first and make minimum payments on the rest then when the first is paid off move that amount of money to pay off the second highest. | 0.08% | 1 |
| i would fuse all the balance in to a no interest or interest free card and pay off as much as i could afford each month then only use cash for other purchases | 0.08% | 1 |
| it depends on the interests,too ;but it would seem better to pay the same for each every month | 0.08% | 1 |
| adjust your budget, and get a low interst rate | 0.08% | 1 |
| consolidate all of your loans if at all possible into one low interest line of credit from your bank and adjust your bidget so that all interest that you would have been paying would go down on that one. | 0.08% | 1 |
| not do that | 0.08% | 1 |
| idk | 0.08% | 1 |
| dk | 0.08% | 1 |
| pay the one with the highest interest first. | 0.08% | 1 |
| pay all off every month | 0.08% | 1 |
| get rid of them, go bankrupt | 0.08% | 1 |
| that would never happen to me. $3000? geez! | 0.08% | 1 |
| i wouldn't incur debt like that | 0.08% | 1 |
| not applicable | 0.08% | 1 |
| pay something on each one but more on the one with the highest interest rate | 0.08% | 1 |
| combine dead and pay down with lowest interest rate | 0.08% | 1 |
| went to credit counseling service | 0.08% | 1 |
| consolidate them in a zero % card | 0.08% | 1 |
| couldn't live that way------use only debit cards | 0.08% | 1 |
| don't have 5 credit cards - it's too much | 0.08% | 1 |
| you have to work extra time to macking moer maney pay back faster | 0.08% | 1 |
| pay more on the one with the highest interest, then pay the min on the others til the high interest is paid off. | 0.08% | 1 |
| don't know. | 0.08% | 1 |
| time to chop up those credit cards!!! | 0.08% | 1 |
| stop paying on 4 and pay off the 1 | 0.08% | 1 |
| depends on interest rates, might get personal loan and pay them all off. | 0.08% | 1 |
| have no clue | 0.08% | 1 |
2.
2.
If you only made $3000 a month and your rent was a thousand a month. How would you split your income for you credit cards? I would split the amount on all the cards
38%
•
450 votes
I would ask family/friends for help
12%
•
140 votes
I would consolidate
44%
•
517 votes
Other (please specify)
7%
•
79 votes
| Other Answers | Percentage | Votes |
| n/a | 1.01% | 12 |
| na | 0.67% | 8 |
| 0.34% | 4 | |
| i would not put myself in a irresponsible situation such as that | 0.08% | 1 |
| would not use | 0.08% | 1 |
| i would find a cheaper place to live...even move back home until the debt was paid off! | 0.08% | 1 |
| i ended up having to file bk ch 7, because i just couldn't make it work when i got laid off. | 0.08% | 1 |
| not sure | 0.08% | 1 |
| n.a | 0.08% | 1 |
| open a line of credit at bank small loan | 0.08% | 1 |
| pick one card & pay more on it till paid off while paying minimums on others | 0.08% | 1 |
| be smart don't get one | 0.08% | 1 |
| i would never be in this situation | 0.08% | 1 |
| this is why you never use credit cards | 0.08% | 1 |
| wouldn't be in that mess | 0.08% | 1 |
| i honestly cannot say, i have never been in that situation, my husband and i like to use cash whenever we can | 0.08% | 1 |
| file bankruptcy | 0.08% | 1 |
| not mess up | 0.08% | 1 |
| n/a, don't have credit cards | 0.08% | 1 |
| slam as much as you can on one and pay the monthly amount on the rest. | 0.08% | 1 |
| i would never have that high of rent | 0.08% | 1 |
| looks like about 1000-1500 a month for paying off the credit card. | 0.08% | 1 |
| i would allocate $1000 to rent, $1000 to all other expenses (and savings if possible), and divide the last $1000 among the credit cards as described above. | 0.08% | 1 |
| min on 2 the rest on one | 0.08% | 1 |
| debt snow ball | 0.08% | 1 |
| i am not stupid enough to get into this situation | 0.08% | 1 |
| pay the high interest cards first and just interest on the others. | 0.08% | 1 |
| i would never let this happen | 0.08% | 1 |
| i wouldn't pay any | 0.08% | 1 |
| why would i have more than one credit card? there's things like paypal, cash, money order, etc. | 0.08% | 1 |
| find cheaper rent | 0.08% | 1 |
| i would forget it all | 0.08% | 1 |
| idk | 0.08% | 1 |
| take a second job or move someplace cheaper or take in a boarder | 0.08% | 1 |
| i would not do this | 0.08% | 1 |
| j | 0.08% | 1 |
| never get into this mess | 0.08% | 1 |
| won't pay any of them | 0.08% | 1 |
| ... | 0.08% | 1 |
| i don't know / n/a | 0.08% | 1 |
| pay the minimum plus the interest charged. if too hard, file bankruptcy | 0.08% | 1 |
| i would look for at home work. | 0.08% | 1 |
| don't have credit cards | 0.08% | 1 |
| to be honest, if my rent was that high and my income 3,000: i never would have gotten credit cards in the first place. i don't have any now sometimes i think i might get one then i see others struggling because of them and change my mind. | 0.08% | 1 |
| pay the one with the higher interest | 0.08% | 1 |
| i would never rent beyond my means | 0.08% | 1 |
| none | 0.08% | 1 |
| i always pay my balance in full when it is due | 0.08% | 1 |
| no clue | 0.08% | 1 |
| i would not use credit cards | 0.08% | 1 |
| oh no poor you. we make 1,000 a month and our rent is 725 suck it up you spoiled little child. | 0.08% | 1 |
| i'd get a cheaper place and no cards | 0.08% | 1 |
| if i only had 2000 for everything but rent, i would not be using a credit card | 0.08% | 1 |
| i would stop paying on the card | 0.08% | 1 |
| i would stop spending money | 0.08% | 1 |
| i will give 1800 to pay my credit payment | 0.08% | 1 |
| would never do that---no money, no credit cards | 0.08% | 1 |
| pay off the one with highest interest first | 0.08% | 1 |
3.
3.
Would you ask your partner to get a night time job to pay for extra money to pay bills? (If you are a stay at home or not capable of working) I would never ask my partner, He already does over time.
24%
•
280 votes
Of course I would ask him, he would look for one tomorrow.
20%
•
238 votes
I would find another way, like asking a friend or family member for help.
12%
•
140 votes
N/A
41%
•
485 votes
Other (please specify)
4%
•
43 votes
| Other Answers | Percentage | Votes |
| 0.25% | 3 | |
| not sure | 0.17% | 2 |
| no the stay at home should go get a job at night.. back off the one that is already working | 0.08% | 1 |
| unless the partner helped create those bills no its not their job to clean up the mess | 0.08% | 1 |
| i would try to save more money and/or look to bring cash in by selling on ebay or craiglist, etc. read dave ramsey's "total money makeover" | 0.08% | 1 |
| i would find a way myself, and of my partner could help, great. but its ultimately myresponsibility. | 0.08% | 1 |
| the stay at home parent could look for a work from home job | 0.08% | 1 |
| i would bring in/save money any way i could | 0.08% | 1 |
| not unless he ran up the credit cards | 0.08% | 1 |
| be straight with your spouse. two heads are better than one. | 0.08% | 1 |
| we would never get in this situation. never spend beyond your means. | 0.08% | 1 |
| file bankruptcy | 0.08% | 1 |
| i'll get a fourth job myself | 0.08% | 1 |
| i would try to find a stay at home job or make crafts to sell but i wouldn't be in debt like that to start with | 0.08% | 1 |
| i would find another way, like buying less useless crap or turning off the cable/internet. | 0.08% | 1 |
| i would ask my partner if he/she contributed to the debt. otherwise, no. | 0.08% | 1 |
| would ask to work with them to bring down payment if couldn't do that would wait till tax time n pay off what could | 0.08% | 1 |
| i am not stupid enough to get into this situation | 0.08% | 1 |
| if youre a sah you should get a job, if youre able to work you should be glad you can and work for what you buy | 0.08% | 1 |
| i would try another way | 0.08% | 1 |
| i would never let this happen | 0.08% | 1 |
| probably end up in the mental health ward | 0.08% | 1 |
| i would get a job myself | 0.08% | 1 |
| it is a joint venture if married. money should be together. | 0.08% | 1 |
| i would find a job myself. | 0.08% | 1 |
| it depends on the situation | 0.08% | 1 |
| i would see if i could do work from home | 0.08% | 1 |
| depends: did he/she help run up the charges? if so yes, if not then you need to take care of it yourself. | 0.08% | 1 |
| no | 0.08% | 1 |
| if the bills are yours then you should do the part time job, not your partner | 0.08% | 1 |
| how about you get a night job? | 0.08% | 1 |
| if the debt is yours, then find a way to work. even if you are disabled you can work from home. you obviously have internet, there are plenty of things you can do online or work. | 0.08% | 1 |
| dont know | 0.08% | 1 |
| just consolidate and make it work... | 0.08% | 1 |
| cut up the credit cards | 0.08% | 1 |
| if i saw that as reasonable,i would bring it up for discussion | 0.08% | 1 |
| getting someone else to work harder to pay off your bills? that's just cruel. | 0.08% | 1 |
| no....you got into the mess yourself, you get yourself out of it! | 0.08% | 1 |
| i'd find a way to make more money myself | 0.08% | 1 |
| i'd get a job | 0.08% | 1 |
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